FLEUR D'OR
ActiveFLEUR D'OR has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €269k and a net result of €115k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 23% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-13
Solvency45▼-53
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.67 against 4.39 in 2024; short-term debt: 14.4% and cash: 2.9% of total assets), and 80.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.9%
Return on assets
8.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
8 d early
2024
29 d late
2023
30 d late
2022
46 d late
2021
52 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€269k▲ 74.8%
2024 · €154k
2021: €49k
2022: €77k
2023: €114k
2024: €154k
2021 → 2025
Total assets
€1.35M▲ 539%
2024 · €211k
2021: €123k
2022: €178k
2023: €204k
2024: €211k
2021 → 2025
Net result
€115k▲ 193%
2024 · €39k
2021: €47k
2022: €28k
2023: €38k
2024: €39k
2021 → 2025
Working capital
€-64k
2024 · €132k
2021: €35k
2022: €46k
2023: €86k
2024: €132k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€77k▲ 56.9%€114k▲ 49.1%€154k▲ 34.3%€269k▲ 74.8%
Operating result€61k-€36k▼ 41.1%€50k▲ 40.0%€52k▲ 4.4%€133k▲ 154%
Net result€47k-€28k▼ 40.7%€38k▲ 35.4%€39k▲ 4.3%€115k▲ 193%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 154% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.35M
Fixed assets
€1.22M▲ 2,902%
Current assets
€130k▼ 23.9%
Equity and liabilities €1.35M
Equity
€269k▲ 74.8%
Debt
€1.08M▲ 1,782%
The debt ratio rises from 27.2% to 80.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€156k▲
2024 · €78k
Cash flow
€138k▲
2024 · €64k
Solvency
19.9%▼
2024 · 72.8%
Current ratio
0.67▼
2024 · 4.39
Quick ratio
0.66▼
2024 · 3.74
Debt / equity
4.03▲
2024 · 0.37
ROE
42.8%▲
2024 · 25.6%
ROA
8.5%▼
2024 · 18.6%
Interest coverage
17.92▼
2024 · 50.52
Debt
€1.08M▲
2024 · €58k
Debt ≤ 1 year
€194k▲
2024 · €39k
Debt > 1 year
€888k▲
2024 · €18k
Income taxes
€39k▲
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€211k€1.35M▲
Fixed assets21/28€41k€1.22M▲
Tangible fixed assets22/27€41k€30k▼
Land and buildings22-€12k
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€32k€11k▼
Financial fixed assets28€105€1.19M▲
Current assets29/58€171k€130k▼
Stocks and contracts in progress3€25k€2k▼
Stocks30/36€25k€2k▼
Amounts receivable within one year40/41€61k€89k▲
Trade receivables40€57k€80k▲
Other amounts receivable41€4k€9k▲
Cash at bank and in hand54/58€84k€39k▼
Deferred charges and accrued income490/1€364€290▼
Equity and liabilities
Total equity and liabilities10/49€211k€1.35M▲
Equity10/15€154k€269k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€152k€267k▲
Amounts payable17/49€58k€1.08M▲
Amounts payable after more than one year17€18k€888k▲
Financial debts170/4€18k€888k▲
Amounts payable within one year42/48€39k€194k▲
Current portion of amounts payable after more than one year42€18k€10k▼
Financial debts43€11€0▼
Credit institutions430/8€11€0▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€12k€18k▲
Taxes450/3€12k€18k▲
Other amounts payable47/48€6k€161k▲
Accrued charges and deferred income492/3€195€195=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€23k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€80k€158k▲
Operating profit (loss)9901€52k€133k▲
Financial income75/76B€54€30k▲
Recurring financial income75€54€30k▲
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€51k€155k▲
Income taxes67/77€12k€39k▲
Profit (loss) for the period9904€39k€115k▲
Profit (loss) for the period to be appropriated9905€39k€115k▲
Appropriation of the result
Profit (loss) to be appropriated9906€152k€267k▲
Profit (loss) brought forward from the previous period14P€112k€152k▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €115k ▲193%
Operating result €133k, net result €115k, both a record.
31-12
Financial
Equity above €200kEq €269k ▲74.8%
5 profitable years in a row build equity to €269k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €154k ▲34.3%
4 profitable years in a row build equity to €154k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €114k ▲49.1%
3 profitable years in a row build equity to €114k.
15-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 46 days late
2022
31-12
Financial
Weakest financial yearnet €28k ▼40.7%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lokeren · 1 establishment unit since 2020
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kruisdam 79160 LokerenGround area
655 m²
Building footprint
110 m²
Volume, LiDAR
93 m³
Parcel 46007A0342/00N000, Flanders · tallest building 6.5 m. Linked by address, not a title deed.
1 establishment unit
FLEUR D'OR
since 20202.303.239.561
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46007A0342/00N000 | Flanders | 655 m² | 1 · 110 m² | 6.5 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 2,468 EUR awarded · 2,468 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,429 EUR | 2,429 EUR |
| 2023 | 1 | 39 EUR | 39 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLokeren2.303.239.561
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RADX
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LEGAL STUDIO
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,651 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
47120Other non-specialised retail sale
47191Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.